Blue Ridge Bankshares (BRBS) AI Stock Analysis

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Blue Ridge Bankshares

(NYSE MKT:BRBS)

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Rating:56Neutral

Price Target:$4.00▼(-0.99% Downside)

Action:reiterated

Date:11/06/26

BRBS scores in the mid-range primarily due to stabilizing—but still fragile—financial performance (near-breakeven profitability, declining revenue, and rising leverage vs 2025), partially offset by improved positive cash generation. Technicals are mildly supportive with price above key moving averages and neutral momentum. Valuation is a drag because the highly negative P/E indicates unstable earnings and there is no dividend yield data. The HomeTrust merger is a constructive corporate catalyst that modestly improves the outlook.

Positive Factors

Positive Cash GenerationStrongly positive operating and free cash flow provides internal funding capacity and supports financial resilience. Although recent growth softened, cash generation roughly matched reported earnings, indicating the current profit inflection is supported by cash rather than only accounting effects.

Negative Factors

Weak Revenue and MarginsDeclining revenue and a near-breakeven margin leave little earnings protection if operating conditions deteriorate. The sharp margin reduction from 2025 suggests that current profitability is fragile, limiting retained capital, strategic flexibility, and the ability to absorb higher costs or credit pressure.

Blue Ridge Bankshares (BRBS) vs. SPDR S&P 500 ETF (SPY)

Market Cap: $362.34M
Dividend Yield: ―
Average Volume (3M): 1.13M
Price to Earnings (P/E): -1442.9
Beta (1Y): 0.55
Revenue Growth: -16.70%
EPS Growth: -108.21%
Country: US
Employees: 255
Sector: Financial
Sector Strength: 68
Industry: Banks - Regional

Blue Ridge Bankshares Business Overview & Revenue Model

Company Description

Blue Ridge Bankshares, Inc. serves as the holding company for Blue Ridge Bank, National Association, offering a wide array of commercial, consumer, and financial services. Its business operations are structured into distinct Commercial Banking and Mo...

How the Company Makes Money

BRBS primarily makes money through its subsidiary bank by earning interest income on loans and investment securities and paying interest on deposits and other funding sources; the difference is its net interest income, which is typically the largest...

Blue Ridge Bankshares Financial Statement Overview

Summary

Fundamentals are stabilizing but still weak: TTM revenue is down (~-5.9%) and net margin is near breakeven (~0.6%). Balance-sheet leverage has re-increased versus 2025 (debt-to-equity ~0.91x vs ~0.55x) and ROE is very low (~0.25%), though leverage is improved from 2022–2023 stress levels. Cash flow is the main positive with TTM operating cash flow (~$21.5M) and free cash flow (~$21.1M) solidly positive, albeit with slightly negative FCF growth (~-3.2%) and prior-year volatility.

Income Statement

46Neutral

Balance Sheet

55Neutral

Cash Flow

62Positive

Financial statement breakdown
Breakdown	TTM	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021
Income Statement
Total Revenue	128.49M	150.61M	173.89M	197.37M	169.74M	190.53M
Gross Profit	69.39M	95.70M	97.33M	99.09M	126.97M	179.35M
EBITDA	15.02M	16.05M	-13.89M	-55.85M	25.70M	72.18M
Net Income	713.00K	10.71M	-15.38M	-51.77M	17.33M	52.48M
Balance Sheet
Total Assets	2.34B	2.43B	2.74B	3.12B	3.13B	2.67B
Cash, Cash Equivalents and Short-Term Investments	364.16M	448.88M	485.57M	431.57M	431.62M	504.08M
Total Debt	242.30M	179.18M	198.40M	259.47M	359.48M	57.75M
Total Liabilities	2.08B	2.11B	2.41B	2.93B	2.88B	2.39B
Stockholders Equity	267.59M	323.69M	327.79M	185.99M	248.79M	276.91M
Cash Flow
Free Cash Flow	19.90M	11.95M	-6.90M	43.09M	93.48M	58.00M
Operating Cash Flow	21.47M	13.63M	-6.31M	44.06M	93.93M	59.21M
Investing Cash Flow	65.04M	241.86M	419.03M	-23.21M	-628.18M	52.48M
Financing Cash Flow	-147.55M	-315.52M	-357.88M	23.03M	480.98M	-99.09M

Blue Ridge Bankshares Technical Analysis

Technical Analysis SentimentPositive

Last Price4.04

Price Trends

50DMA3.96Positive

100DMA3.80Positive

200DMA3.63Positive

Market Momentum

MACD0.03Negative

RSI55.22Neutral

STOCH55.07Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For BRBS, the sentiment is Positive. The current price of 4.04 is above the 20-day moving average (MA) of 4.00, above the 50-day MA of 3.96, and above the 200-day MA of 3.63, indicating a bullish trend. The MACD of 0.03 indicates Negative momentum. The RSI at 55.22 is Neutral, neither overbought nor oversold. The STOCH value of 55.07 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for BRBS.

Blue Ridge Bankshares Risk Analysis

Blue Ridge Bankshares disclosed 43 risk factors in its most recent earnings report. Blue Ridge Bankshares reported the most risks in the "Finance & Corporate" category.

Finance & Corporate - Financial and accounting risks. Risks related to the execution of corporate activity and strategy

Latest Risks Added

3 New Risks

1.The development and use of artificial intelligence ("AI") presents risks and challenges that may adversely impact our business.Q4, 2025

2.Kenneth L. Lehman and Castle Creek are substantial holders of the Company's securities.Q4, 2024

3.Sales of large amounts of the Company's common stock, or the perception that sales could occur, may depress the Company's stock price.Q4, 2024

Blue Ridge Bankshares Peers Comparison

Overall Rating

UnderperformOutperform

Sector (68)

Financial Indicators

BRBS against its peers
Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
BMRC	85Outperform	$464.52M	6.75	17.18%	3.51%	-18.89%	-221.07%
BSRR	82Outperform	$546.40M	10.77	13.89%	2.52%	-1.49%	34.62%
CIVB	78Outperform	$596.30M	10.36	10.40%	2.49%	4.90%	3.97%
FRBA	71Outperform	$491.37M	11.34	9.52%	1.98%	1.35%	3.54%
CWBC	70Outperform	$711.56M	16.28	6.56%	1.85%	22.77%	-11.24%
Sector *	68Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
BRBS	56Neutral	$362.32M	-1442.86	0.25%	―	-16.70%	-108.21%

* Financial Sector Average

Performance Comparison

BRBS and its peers over the selected period
Ticker	Company Name	Price	Change	% Change
BRBS	Blue Ridge Bankshares	4.04	0.38	10.47%
BMRC	Bank Of Marin	28.49	3.32	13.18%
CWBC	Community West Bancshares	25.88	4.68	22.07%
CIVB	Civista Bancshares	28.90	7.57	35.52%
BSRR	Sierra Bancorp	42.02	13.36	46.61%
FRBA	First Bank	19.73	4.33	28.14%

Blue Ridge Bankshares Corporate Events

Business Operations and StrategyM&A Transactions

Blue Ridge Bankshares Announces All-Stock Merger with HomeTrust

Positive

Aug 17, 2026

On August 16, 2026, Blue Ridge Bankshares and HomeTrust Bancshares agreed a two-step merger under which Blue Ridge will ultimately be combined into HomeTrust in an all-stock deal, followed by the merger of their bank subsidiaries. Blue Ridge sharehol...

Glossary

BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.

HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.

SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.

Disclaimer

This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.

Date of analysis: Nov 06, 2026

Blue Ridge Bankshares AI Stock Analysis